As self employed don't have the luxury of paid annual leave or...

As self employed don't have the luxury of paid annual leave or 17.5% leave loading, or a week's sick days in our "award".

This is why we self employed personal charge out at an extraordinary amount, we need to cover ourselves for those you talk about. If you don't well your behind the times. I know I certainly add the extra $$ to my work to in theory pay for those that you talk about.